Savings Basics

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The keys to saving are taking it at a pace that's right for you and staying focused on your long-term goals. We'll help you understand savings fundamentals, prioritize your goals, and gain an understanding of how to manage your debt and credit.

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The information provided is not intended to be a substitute for specific individualized tax, legal, or investment planning advice. Where specific advice is necessary or appropriate, Schwab recommends that you consult with a qualified tax advisor, CPA, financial planner, or investment manager.

Withdrawals from an IRA or qualified retirement plan prior to age 59½ may be subject to a 10% federal tax penalty on earnings.